Bank of Baroda HPCL Energie Credit Card
Verified · September 9, 2026
4.5/5.0
Updated on September 9, 2026
🎖️Reward Rate
Reward Rate — HPCL Fuel/LPG: Up to 5% Savings (24 Reward Points per ₹150 = 4% Savings + 1% Fuel Surcharge Waived) on fuel purchases at HPCL retail outlets, LPG purchases & via HP Pay App
Rewards
Reward Type
Reward Points
Reward Rate
- • Reward Rate — HPCL Fuel/LPG: Up to 5% Savings (24 Reward Points per ₹150 = 4% Savings + 1% Fuel Surcharge Waived) on fuel purchases at HPCL retail outlets, LPG purchases & via HP Pay App
- • Reward Rate — Groceries/Departmental/Utility: Up to 2% Savings (10 Reward Points per ₹150) on utility & departmental stores
- • Reward Rate — Other Categories: 2 Reward Points for every ₹150 spent on other categories
- • Reward Rate — Fuel-Outlet Restriction: Accelerated Reward Points and Fuel Surcharge Waiver benefits are provided only on fuel transactions done at eligible HPCL fuel outlets
Welcome Benefit
Welcome Benefit: 500 joining bonus reward points on spend of ₹5,000 or more within 60 days of card issuance
Redemption
- • Redemption — Point Value(s): No 'redeem for cashback' tile visible in the Exclusive Benefits carousel captured for this card
- • Redemption — Product Catalog / Vouchers: Not shown on captured official-site pages
Benefits
- Domestic Lounge Access: 4 Complimentary airport lounge access per year (1 per Quarter) at partner domestic lounges for primary cardholders
- Movie Discount: 25% off up to ₹100 on the purchase of minimum 2 tickets per transaction at [BookMyShow, text truncated]
- Smart EMI Option: Convert purchases > ₹2,500 into EMI over 6–48 months
Things to Know Before you apply
Bank of Baroda HPCL Energie Credit Card Eligibility Criteria
- Age: 21–60 years
- Minimum Annual Income: Not stated as a specific figure on captured pages (Income Proof section lists required documents only)
- Residency / Employment Type: Indian Resident, Salaried/Self-employed
Fees & Charges
| Particulars | Amount |
|---|---|
| Joining Fee | ₹499 |
| Annual Fee | ₹499 |
| Cash Advance Fee | Cash Advance Fee: Not shown on captured official-site pages |
Fee waiver: Milestone Benefit / Fee Waiver: Renewal fee waiver on annual spends of ₹50K in every anniversary year (fee = ₹499 per Fee section); Fuel Surcharge Waiver: 1% Fuel Surcharge waiver on all HPCL fuel transactions between ₹400-₹5,000, including purchases via HP Pay App, but only at eligible HPCL fuel outlets
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Overall Rating
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Rating
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Fee Details
Joining Fee
₹499
Annual/Renewal Fee
₹499
Joining Fee
₹7,000
Annual/Renewal Fee
₹7,000
Joining Fee
₹499
Annual/Renewal Fee
₹499
Welcome Benefit
- • Welcome Benefit: 500 joining bonus reward points on spend of ₹5,000 or more within 60 days of card issuance
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- • Complimentary welcome voucher worth ₹500 from premium retail partners upon completion of first transaction within 30 days.
- • Qualification Criteria: First card swipe within 30 days of issuance
- • Fulfillment Timeline: Dispatched via SMS within 45 days
Reward/Cashback Rate
- • Reward Rate — HPCL Fuel/LPG: Up to 5% Savings (24 Reward Points per ₹150 = 4% Savings + 1% Fuel Surcharge Waived) on fuel purchases at HPCL retail outlets, LPG purchases & via HP Pay App
- • Reward Rate — Groceries/Departmental/Utility: Up to 2% Savings (10 Reward Points per ₹150) on utility & departmental stores
- • Reward Rate — Other Categories: 2 Reward Points for every ₹150 spent on other categories
- • Reward Rate — Fuel-Outlet Restriction: Accelerated Reward Points and Fuel Surcharge Waiver benefits are provided only on fuel transactions done at eligible HPCL fuel outlets
- • Reward Points Crediting: Credited within 45 days from the settlement date of eligible retail transactions
- • Base Rewards: 1.5 Reward Points per ₹100 (1.5 Reward Points per ₹100 on domestic retail transactions)
- • Accelerated Rewards: Earn 6 Reward Points per ₹100 spent on International purchases (4X Accelerated Earning)
- • Excluded Categories: Fuel purchases
- • Wallet loads
- • EMI transactions
- • Government payments
Pros
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- • Base Rewards: 5 Reward Points per ₹100 (5 Reward Points per ₹100 spent on all domestic retail purchases)
- • Forex markup rate of 1.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
- • Base Rewards: 1.5 Reward Points per ₹100 (1.5 Reward Points per ₹100 on domestic retail transactions)
- • Forex markup rate of 1.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
Cons
—
- • Annual renewal fee of ₹7000
- • Reward exclusion on fuel purchases and wallet load transactions
- • Annual renewal fee of ₹499
- • Reward exclusion on fuel purchases and wallet load transactions